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Why an Adjustable Rate Mortgage Might Be Better Than you Think

Thirty-year fixed rate mortgages are extremely popular in 2017. Borrowers can’t seem to resist the predictability of a fixed rate.  On the other hand, adjustable rate mortgages have historically gotten a bad rap, and homeowners are still hesitant to even explore this option. Many see it as notoriously risky, so skeptical borrowers flock to the safety net of a fixed rate mortgage regardless of how much more they may be paying in the end. However, adjustable rate mortgages have many different options, and they are certainly worth a second look. Depending on the current stage of your life and what your future plans are, an adjustable rate mortgage could be your best bet to saving money in the long run. read more

How to Choose Between a Fixed-Rate and Adjustable Rate Mortgage

Mortgages can be confusing—especially when you’re new to the home buying scene. Choosing between a fixed-rate and adjustable rate mortgage (ARM) can make your head spin. We know this. That’s why we’ve created this post—to simplify things. After finishing it, you’ll have all the information you need to make a well educated, informed decision in regards to which mortgage is best for you. Let’s get started:

How Long Do You Plan of Living in the Home?

This is the first (and most important) question you need to ask yourself when choosing a mortgage. If you plan on living in the home for a short period of time, an ARM is the way to go. It ensures that your first payments will be low and that you won’t be effected—because you won’t be living in the home— when rates rise. read more

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